Travel with confidence Enjoy the security of premium travel protection with your RBC® Avion® Visa Infinite Privilege‡ for Private Banking card. Rest easy knowing you are covered with premium travel insurances including Trip Cancellation, Trip Interruption and Lost or Stolen Baggage coverage. RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM MAR 20 TO APR 21, 2025 PREVIOUS ACCOUNT BALANCE 1 OF 7 $8,477.00 IMPORTANT INFORMATION AVION POINTS BILL SYRROS 4646 92** **** 6846 - PRIMARY Previous Points balance Points earned this statement Points adjusted this statement New points balance 410,174 30,537 17 440,728 TRANSACTION DATE POSTING DATE ACTIVITY DESCRIPTION AMOUNT ($) MAR 18 MAR 20 CB CONCESSIONS MONTREAL QC $42.83 MAR 18 MAR 20 CB CONCESSIONS MONTREAL QC $34.00 MAR 21 MAR 24 BELL MOBILITY VERDUN QC $640.18 Customer Service / Lost & Stolen Collect Outside North America Rewards Website MAR 21 MAR 24 SQ *MR POKE VANIER ON $41.70 PAYMENTS & INTEREST RATES MAR 21 MAR 21 TESLA TORONTO ON $16.09 MAR 24 MAR 24 TIDAL MALMO $14.49 MAR 24 MAR 24 D J*WSJ 800-568-7625 NJ $14.91 MAR 25 MAR 25 AMAZON CHANNELS AMAZON.CA BC $12.64 MAR 27 MAR 31 REXALL PHARMACY #8147 OTTAWA ON $1.68 MAR 28 MAR 28 OVERFLOW BREWING COMPA OTTAWA ON $41.38 MAR 30 MAR 31 AMAZON.CA*Z55RW90H3 AMAZON.CA ON $87.39 MAR 30 MAR 31 BRAVE.COM BRAVE.COM CA $14.67 MAR 31 MAR 31 AMZN MKTP CA*7K50Z5G73 WWW.AMAZON.CAON $91.97 APR 03 APR 04 GOOGLE*TUNEIN G.CO/HELPPAY#NS $14.21 APR 04 APR 07 PLAYLISTAI PLAYLISTAI.APAZ $5.83 APR 09 APR 10 DISNEY PLUS 1 800727-1800CA $18.39 74064495078820111220685 74064495078820111257877 74064495080820137954990 74293475080000568949463 74099865080000014822064 74987505083000073393027 24456755083107421433542 74537885084108120623013 74529005086920499535609 74099865086001314568062 74537885089102786527043 24064665089100008493814 Foreign Currency - USD 9.99 Exchange rate - 1.468468 CONTACT US 1-888-769-2585 (416) 974-5944 avionrewards.com Minimum payment Payment due date Credit limit Available credit Annual interest rates: Purchases Cash advances $844.00 MAY 16, 2025 $25,000.00 $6,234.17 20.99% 21.99% CALCULATING YOUR BALANCE Previous Account Balance Payments & credits Purchases & debits Cash advances Interest Fees Total Account Balance -$14,742.44 $24,790.77 $0.00 $240.50 $0.00 NEW BALANCE $8,477.00 $18,765.83 $18,765.83 74537885090103414230288 74040735094920001032600 24000775095100012571247 Foreign Currency - USD 3.99 Exchange rate - 1.461152 24803945100910006057883 RBC ROYAL BANK CREDIT CARD PAYMENT CENTRE P.O. BOX 4016, STATION “A” TORONTO, ONTARIO M5W 2E6 NEW BALANCE $18,765.83 MINIMUM PAYMENT $844.00 PAYMENT DUE DATE MAY 16, 2025 AMOUNT PAID $ RBC® Avion® Visa Infinite Privilege‡ for Private Banking 4646 92** **** 6846 / 4646 92** **** 2725 BILL SYRROS SHELLEY FRASER SYRROS 25 CHEMIN SUMAC CHELSEA QC J9B 1V4 Quick, convenient and secure ways to pay your credit card bill: · RBC Online Banking at www.rbcroyalbank.com/online · RBC Mobile app – text “RBC” to 722722 to download Other payment options include: · RBC Royal Bank ATM · Telephone Banking 1-800-769-2511 · Visit an RBC Royal Bank branch RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM MAR 20 TO APR 21, 2025 2 OF 7 BILL SYRROS 4646 92** **** 6846 - PRIMARY (continued) TRANSACTION DATE POSTING DATE APR 09 APR 11 APR 09 APR 10 PAYMENT - THANK YOU / PAIEMENT MERCI -$7,000.00 APR 09 APR 11 APR 09 AUTOMATIC PAYMENT -THANK YOU APR 14 ARAMARK ENTERTAINMENT KANATA ON -$381.00 $56.45 APR 11 APR 11 PAYMENT - THANK YOU / PAIEMENT MERCI -$7,000.00 APR 12 APR 14 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $329.85 APR 14 APR 16 LUCILLES CENTRE BELL MONTREAL QC $216.19 APR 15 APR 16 AD FREE FOR PRIMEVIDEO PRIME VIDEO BC $3.44 APR 15 APR 16 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $32.80 APR 15 APR 16 CREW COLLECTIVE & CAFÉ MONTREAL QC $24.79 APR 15 APR 16 CREW COLLECTIVE & CAFÉ MONTREAL QC $9.92 APR 16 APR 21 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS $31.03 APR 16 APR 17 MOULINS LA FAYETTE VIE MONTREAL QC $22.45 APR 16 APR 17 CHEZ LIONEL RENE-LEVES MONTREAL QC $214.20 APR 17 APR 21 COOKIE STEFANIE MONTREAL QC $9.87 APR 17 APR 21 CREW COLLECTIVE & CAFÉ MONTREAL QC $16.19 APR 17 APR 21 LE WESTIN MONTREAL MONTREAL QC APR 21 APR 21 TESLA TORONTO ON APR 21 APR 21 PURCHASE INTEREST 20.99% SUBTOTAL OF MONTHLY ACTIVITY ACTIVITY DESCRIPTION ELECTRIFY CANADA AJAX ON 74500015100656622625123 74510105100619981500102 74500015102461699406178 AMOUNT ($) $7.00 74510105101619980946107 24492165102100009979304 Foreign Currency - USD 229.95 Exchange rate - 1.434442 74116775105608461123660 74537885105107200099693 24492165105100035616315 Foreign Currency - USD 23.00 Exchange rate - 1.426086 74514205105004004264193 74514205105004004266180 74040735108920009032630 74703415106108469688435 74500015106380605571436 74064375107004007898107 74514205107004004432087 74703415108109633488353 74099865111001200161039 $1,138.83 $16.09 $240.50 -$10,919.04 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT TRANSACTION DATE POSTING DATE MAR 19 MAR 20 CLINIQUE VETERINAIRE WAKEWAKEFIELD QC $1,362.20 MAR 19 MAR 20 EMILI-LICENCE ANIMAL DOWNTOWN MONTQC $100.00 MAR 20 MAR 24 DYMON -DBOX OTTAWA ON $352.40 MAR 21 MAR 24 DENEIGEMENT MIRIK 819-9624265 QC $776.08 MAR 21 MAR 24 SQ *JNJ BAKERYCAFE OTTAWA ON $20.47 MAR 21 MAR 24 HOWLING TURTLE INC TORONTO ON $70.00 ACTIVITY DESCRIPTION 74064495078820177356183 74083425079500000066257 74500015080624449655792 74872715080290809481024 74293475080000568679730 74514205082004002822957 AMOUNT ($) RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM MAR 20 TO APR 21, 2025 3 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION DATE POSTING DATE MAR 22 MAR 24 SP OMY LABORATOIRES QUEBEC QC $4.59 MAR 22 MAR 24 SP OMY LABORATOIRES QUEBEC QC $270.16 MAR 22 MAR 24 RIVIAN CA PRE-ORDER VANCOUVER BC $150.00 MAR 23 MAR 24 ISTOCK.COM INTERNET $45.99 MAR 23 MAR 25 GOOGLE*GOOGLE ONE G.CO/HELPPAY#NS $4.59 MAR 24 MAR 25 EVENTBRITE/INTERNATION SAINT JOHN NB $77.59 MAR 24 MAR 26 AIR CAN* 0142118126254AIRCANADA.COMMB $677.48 MAR 24 MAR 26 AIR CAN* 0142118126255AIRCANADA.COMMB $677.48 MAR 25 MAR 26 NBX*CULLIGAN WATER CAN 866-2991914 ON $889.33 MAR 26 MAR 27 APPLE.COM/BILL 866-712-7753 ON $14.94 MAR 26 MAR 27 APPLE.COM/BILL 866-712-7753 ON $12.64 MAR 26 MAR 27 AMAZON.CA PRIME MEMBER AMAZON.CA/PRIBC $11.49 MAR 26 MAR 27 GOLDWING AUTO CARE INC NEPEAN ON $412.45 MAR 26 MAR 27 RACK ATTACK OTTAWA OTTAWA ON $79.04 MAR 26 MAR 28 FARM BOY #35 OTTAWA ON $27.10 MAR 26 MAR 26 PETRO-CANADA 10613 CHELSEA QC $68.81 MAR 27 MAR 31 FARM BOY #35 OTTAWA ON $301.06 MAR 27 MAR 28 RACK ATTACK OTTAWA OTTAWA ON $223.68 MAR 27 MAR 28 PALMIER CHELSEA QC $13.55 MAR 28 MAR 31 CHELSEA SMOKEHOUSE CHELSEA QC $90.53 MAR 28 MAR 31 MAGASIN LES FOUGERES CHELSEA QC $21.25 MAR 28 MAR 31 MAGASIN LES FOUGERES CHELSEA QC $24.00 MAR 28 MAR 28 SQ *BEDOUIN SOUNDCLASH VANCOUVER BC $145.00 MAR 29 MAR 31 PITOU MINOU ET COMPAGNONSCHELSEA QC $95.41 MAR 30 MAR 31 AMAZON.CA*YG2F74NR3 AMAZON.CA ON $30.44 MAR 31 APR 02 OTTAWA GOODTIME CENTRE NEPEAN ON $746.76 MAR 31 APR 02 OTTAWA GOODTIME CENTRE NEPEAN ON $1,007.12 APR 01 APR 02 CPC / SCP 100323 OTTAWA ON ACTIVITY DESCRIPTION 74083425081100011414038 74083425082100000164932 74083425082100002891391 24871155082081229827885 74040735084920009014008 74064495083820135599232 AMOUNT ($) 74537885084108515023928 74537885084108515023985 74769805084900010797288 74537885085109297611178 74537885085109306671551 74537885085109678771096 74872715085260856396461 74500015085461654107721 74529005085920462106405 74064495085820127609633 74529005086920504879505 74500015086461600649791 74514205086004017678465 74064495087820187297491 74703415087101631544795 74703415087101631544803 74293475087000624787918 74064495088820181101805 74537885089103122426288 24456725091510000519644 24456725091510000519727 74064495091820180315179 $19.15 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM MAR 20 TO APR 21, 2025 4 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION DATE POSTING DATE APR 01 APR 02 FIGURE 8 SKATE OTTAWA ON APR 01 APR 02 DYMON STORAGE (BARRHAV NEPEAN ON $1,010.27 APR 01 APR 02 DYMON STORAGE (TRAINYA OTTAWA ON $359.10 APR 02 APR 02 GENEVIEVE MUNRO YOGA CHELSEA QC $69.93 APR 02 APR 03 BRAINTAP PROF SUBSCRIP BRAINTAP.COM NC $73.88 APR 02 APR 03 SP NADA TOOTHBRUSH DUNDAS ON $42.00 APR 02 APR 04 1:1 SALON CHELSEA QC $182.97 APR 03 APR 07 FARM BOY #35 OTTAWA ON $132.79 APR 03 APR 04 PITOU MINOU ET COMPAGNONSCHELSEA QC $179.68 APR 03 APR 04 OTTAWA GOODTIME CENTRE 613-7319071 ON $84.75 APR 03 APR 04 OTTAWA GOODTIME CENTRE 613-7319071 ON $79.10 APR 03 APR 04 CANADIAN TIRE #174 OTTAWA ON $130.55 APR 04 APR 07 BERKLEE ONLINE 6177472141 MA $2,378.00 APR 04 APR 07 SQ *LES POULES QUI ROULEN8774174551 QC $224.20 APR 05 APR 07 JOHN THOMPSON OTTAWA ON $33.90 APR 05 APR 07 CAMP FORTUNE RESORT CHELSEA QC $344.93 APR 05 APR 07 INNERSCIENCE RESEARCH INNERSCIENCERWA $39.17 APR 06 APR 07 CITY OF VAN-BYLAW FINE PMVANCOUVER BC $154.00 APR 06 APR 07 APPLE.COM/BILL 866-712-7753 ON $14.94 APR 06 APR 07 WIZEPREP.COM TUTORING VANCOUVER BC $103.95 APR 06 APR 07 BERKLEE ONLINE 6177472141 MA $255.81 APR 07 APR 07 SQ *BRONSON MUSIC THEATREOTTAWA ON $42.00 APR 07 APR 07 SQ *BRONSON MUSIC THEATREOTTAWA ON $58.80 APR 07 APR 07 SQ *SEEN MERCH OTTAWA ON $240.00 APR 07 APR 08 AMAZON.CA*RG0JT7X53 AMAZON.CA ON $64.75 APR 07 APR 08 BERKLEE ONLINE BOSTON MA APR 08 APR 09 AMAZON.CA*MI0G25SM3 AMAZON.CA ON ACTIVITY DESCRIPTION 74514205091004017650236 74500015091656678809796 74500015091656677941251 74083425092100005687752 24011345092100116832521 Foreign Currency - USD 49.99 Exchange rate - 1.477895 74083425093100000257493 74529005092920373563505 74529005093920483229608 74064495093820181786293 74872715093280935065762 74872715093280935065796 74064495094820104737844 24493985094092109181479 Foreign Currency - USD 1,620.00 Exchange rate - 1.467901 74293475094000427078953 74064495095820180358399 74064495096820111564122 24011345096100058655506 Foreign Currency - USD 26.80 Exchange rate - 1.461567 74064495096820178844474 74537885096109227012924 74083425097100002150890 24493985096092746064557 Foreign Currency - USD 175.00 Exchange rate - 1.461771 74293475097000725224660 74293475097000725647084 74293475097000725430036 74537885097100482520346 74493985097093052226701 Foreign Currency - USD 75.00 Exchange rate - 1.370000 74537885098100922827805 AMOUNT ($) $33.90 -$102.75 $66.10 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM MAR 20 TO APR 21, 2025 5 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION DATE POSTING DATE APR 08 APR 09 AMAZON.CA*EE2F12U23 AMAZON.CA ON $51.93 APR 09 APR 10 BELL CANADA (OB) MONTREAL QC $113.70 APR 09 APR 10 OURARING OULU APR 09 APR 11 PETSMART INC. 0914 GLOUCESTER ON $226.74 APR 09 APR 09 RITCHIE FEED & SEED INC GLOUCESTER ON $281.74 APR 10 APR 11 BELL CANADA (OB) MONTREAL QC $150.66 APR 12 APR 14 OPENAI *CHATGPT SUBSCR OPENAI.COM CA $32.99 APR 12 APR 14 CHELSEA CHAWARMA ET PIZZACHELSEA QC $250.43 APR 12 APR 14 MARCHE CHELSEA 21315 CHELSEA QC $155.41 APR 13 APR 14 AGI*BESTBUY.CA/PRO 866-237-8289 ON $19.54 APR 14 APR 15 MUNICIPALITY OF CHELSEA CHELSEA QC $390.00 APR 14 APR 15 MUNICIPALITY OF CHELSEA CHELSEA QC $85.00 APR 14 APR 15 CHELSEA SMOKEHOUSE CHELSEA QC $50.35 APR 14 APR 15 YOW BRIDGEHEAD - ARRIVALSOTTAWA ON $8.41 APR 15 APR 16 PITOU MINOU ET COMPAGNONSCHELSEA QC $338.92 APR 15 APR 16 LS BLUEBARN COFFEE ROA WAKEFIELD QC $17.85 APR 15 APR 16 WAKEFIELD GENERAL STOR WAKEFIELD QC $79.51 APR 17 APR 21 APPLE.COM/BILL 866-712-7753 ON $4.59 APR 17 APR 21 LAVERGNE MEAT AND DELI NAVAN ON $348.21 APR 17 APR 21 HOMESENSE 020 OTTAWA ON $387.18 APR 17 APR 21 CANADIAN TIRE #174 OTTAWA ON $186.39 APR 17 APR 21 STARBUCKS 04788 OTTAWA ON $7.27 APR 17 APR 21 MID-EAST FOOD CENTRE OTTAWA ON $608.78 APR 17 APR 21 FARM BOY #35 OTTAWA ON $267.67 APR 17 APR 17 MORALA TRADING OTTAWA ON $379.36 APR 19 APR 21 PIPOLINKA WAKEFIELD QC $22.52 APR 19 APR 21 NUTTY GREEK BAKE SHOP INCOTTAWA ON $390.16 APR 19 APR 21 SHOPPERS DURG MART #63 OTTAWA ON $211.38 APR 19 APR 21 RCSS #1009 OTTAWA ON $218.98 ACTIVITY DESCRIPTION 74537885098101110003639 74064495099820134842767 74143615100000126330254 74450775100004040153486 74064495099820127471558 74064495100820136790540 24492165102100007333223 Foreign Currency - USD 23.00 Exchange rate - 1.434347 74064495102820181475623 74500015102380695551078 74537885103105816738565 74064495104820173699394 74064495104820173699402 74064495104820177687197 74064495105820106739357 74064495105820180155322 74099865105000057227073 74500015105380649246434 74537885107108908845047 74500015107380648497648 74703415108109640372194 74064495108820105374047 74703415108109740762187 74529005107920557458905 74529005107920657654403 74064495107820113061819 74064495109820161570842 74064495109820164277031 74500015109463617287998 74500015109882676715989 AMOUNT ($) $8.95 RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM MAR 20 TO APR 21, 2025 6 OF 7 SHELLEY FRASER SYRROS 4646 92** **** 2725 - CO-APPLICANT (continued) TRANSACTION DATE POSTING DATE APR 19 APR 21 RCSS #1009 OTTAWA ON $62.08 APR 19 APR 21 WINNERS 377 GATINEAU QC $120.48 APR 19 APR 21 WINNERS 377 GATINEAU QC $59.78 APR 19 APR 21 BUSHTUKAH INC. OTTAWA ON $220.26 APR 19 APR 21 BUSHTUKAH INC. OTTAWA ON $276.74 APR 20 APR 21 PALMIER CHELSEA QC $14.50 ACTIVITY DESCRIPTION 74500015109882676732638 74703415110101494760638 74703415110101494763657 74529005109920222143401 74529005109920222143500 74514205110004008282889 SUBTOTAL OF MONTHLY ACTIVITY AMOUNT ($) $21,167.96 JACKSON SYRROS 4646 92** **** 0131 - AUTHORIZED USER MONTHLY CARD LIMIT - $2,500.00 TRANSACTION DATE POSTING DATE MAR 20 MAR 24 SP KOTN TORONTO ON MAR 20 MAR 21 VIDEOTRON LTEE #150 PPACCMONTREAL QC $86.23 MAR 21 MAR 24 UBER* TRIP TORONTO ON $11.60 MAR 28 MAR 31 UBER CANADA/UBERTRIP TORONTO ON $11.87 MAR 29 MAR 31 UBER CANADA/UBERTRIP TORONTO ON $11.87 MAR 30 MAR 31 UBER CANADA/UBERTRIP TORONTO ON $21.11 APR 08 APR 09 NAUTILUS PLUS - SS SAINT-HUBERT QC $27.31 APR 11 APR 14 UBER CANADA/UBERONE TORONTO ON $11.49 APR 12 APR 14 ADOBE INC SAN JOSE CA $14.94 APR 20 APR 21 UBER CANADA/UBERTRIP TORONTO ON $15.95 APR 20 APR 21 VIDEOTRON LTEE #150 PPACCMONTREAL QC $86.23 SUBTOTAL OF MONTHLY ACTIVITY $39.91 ACTIVITY DESCRIPTION 74083425080100014099779 74064495080820122759131 74083425081100002503922 74064495087820154582750 74064495088820155652767 74064495089820148847317 74064495098820137119826 74064495101820153460844 24793385102002040270042 74064495110820141075141 74064495111820118622320 TOTAL ACCOUNT BALANCE AMOUNT ($) -$258.69 $18,765.83 Time to Pay If you make only the Minimum Payment each month, we estimate it will take 15 year(s) and 10 month(s) to fully repay the outstanding balance. Our estimate is based on the Total Account Balance shown on this statement and your current credit card account terms. This estimate is intended solely to illustrate how making only the Minimum Payment will increase the time it takes to pay your balance and is not a recommended long term repayment plan. RBC® Avion® Visa Infinite Privilege‡ for Private Banking BILL SYRROS 4646 92** **** 6846 SHELLEY FRASER SYRROS 4646 92** **** 2725 STATEMENT FROM MAR 20 TO APR 21, 2025 7 OF 7 Your account is currently set up on an Auto Pay plan Based on the option you previously selected, the Minimum Payment amount as shown on this statement will be posted to your account on the Payment Due Date. If you have made any additional payments prior to the Auto Pay, we will reduce the Auto Pay amount by those additional payments posted. Please contact us if you have any questions at 1-888 ROYAL® 8-5. INTEREST RATE CHART Description Rate (%) Remaining Balance** Purchases & Fees 20.99 $18,525.33 Expiry Date ** The "Determination of Interest" section on the back of your statement explains how interest is charged and how you may avoid interest charges on purchases and fees and the "Applying your payments" section explains how payments are applied to the Remaining Balances shown above. IMPORTANT INFORMATION ABOUT YOUR RBC ROYAL BANK CREDIT CARD STATEMENT The following is a summary of certain terms and conditions of your credit card account and details about some of the information shown on your statement. Please refer to your credit card agreement for complete terms and conditions for your account. For more tips on reading your statement, go to rbc.com/cardstatement. New Balance. The Total Account Balance as of your Statement Date minus the total amount of Installments Not Yet Due as shown on your statement. This is the amount you must pay to avoid interest on your regular purchases and fees shown on this statement. Statement Period. Your statement covers activity in your account from the day after your previous statement was prepared to the last day of this statement period (your Statement Date). If the date we would ordinarily prepare your statement falls on a date on which we do not process statements (such as weekends) we will prepare it on our next statement processing date. Your Payment Due Date will be adjusted accordingly. Total Account Balance. The total amount of your previous account balance, plus all new purchases and debits, cash advances, interest, and fees shown on your statement, minus the amount of any payments and credits which have been posted to your account on or before your Statement Date. The Total Account Balance includes the total amount of Installments Not Yet Due as shown on your statement, and is the same as your New Balance if you do not have any installment plans. YOUR RESPONSIBILITIES Review your statement carefully. If you think there is an error, omission or irregularity, you must contact us no later than 30 days following your Statement Date at 1-800-769-2512. After 30 days, our records will be considered correct except for credits improperly applied to your account. Report lost or stolen cards. If your card is lost or stolen, or if you have your card but suspect that it or your account number is being used by someone else, log in to RBC Online Banking or the RBC Mobile app and select the “Report Lost or Stolen Card” option, or call 1-800-769-2512, immediately. This obligation applies to Primary cardholders, Co-applicant cardholders and Authorized Users. Making your payment. You may pay the New Balance (or if you have installment plans, the Total Account Balance) in full or in part at any time. However, you must pay at least the Minimum Payment by the Payment Due Date shown on the statement each month. If the Payment Due Date falls on a weekend or holiday, we will extend it to the next business day. Remember to allow sufficient time for payments to reach us by the Payment Due Date. Payments made by mail or through another financial institution may take several days to reach us and are not credited to your account until we have processed them. Branch payments will be credited to your account on the same day if made before the earlier of 6:00 p.m. local time or the branch closing time. Missed payments. Missing payments (which means not making at least the Minimum Payment by the next Statement Date) will affect your interest rates as follows: • If you miss making any Minimum Payment, you will lose the benefit of any introductory or promotional interest rate offer in which you are participating, and your standard cash advance and purchase interest rates will apply to any remaining balance(s) which were subject to that offer (subject to any further increases set out below) as of the first day of the third Statement Period following the missed payment (or the expiry date if it is earlier). • Where you have installment plans and you miss making any Minimum Payment (including the one due in the same Statement Period in which an installment plan is created), all your installment plans will be cancelled. Any Monthly Principal amount(s) that you missed paying and your Installments Not Yet Due (“Unpaid Plan Principal”) will be subject to the interest rate applicable to regular purchases set out on this statement in the “Payments & Interest Rates” section under “Annual interest rates” for “Purchases”, subject to any further increase as described immediately below. This will also be the case for the Unpaid Plan Principal if you choose to cancel your installment plan(s). See your Installment Plan Terms and Conditions for further details. READING YOUR STATEMENT Activity Description. Each transaction and amount credited or charged to your account during the Statement Period is described in this section, including the transaction and posting dates. If the transaction date is not available for any transaction, its posting date is used as the transaction date. Transactions converted to installment plans are marked by a ^ symbol in the activity description. Interest is always calculated from the transaction date. If there is more than one credit card on the account, transactions will be grouped by cardholder name, card number and relationship to the account. Primary and Co-applicant cardholders (but not Authorized Users) are responsible for all amounts charged to the account. Payments & Interest Rates. This section displays the Minimum Payment and its Payment Due Date, your current credit limit, and available credit as of the Statement Date. Your available credit does not reflect transactions or payments made but not received by us by the Statement Date. Your current interest rates for cash advances and purchases are also shown, as well as the expiry date if any of those rates are temporary. Any promotional or installment plan rates are shown in the Interest Rate Chart. Interest Rate Chart. This chart sets out the interest rate(s) that apply to the Total Account Balance, any remaining balances associated with those rates, and expiry dates for any promotional and installment plan rates. Offers that we may have made to you but which you are not using are not shown as they will not have any associated balances. If you lose a promotional rate due to a missed payment, the Interest Rate Chart will continue to display that promotional rate until the loss takes effect. The expiry date for an installment plan rate reflects the due date of the final installment plan payment for that plan. If you lose an installment plan rate before its expiry date due to a missed payment, your Interest Rate Chart will be updated in your next statement to reflect this, and any Unpaid Plan Principal will be moved to your Purchases & Fees category. If an expiry date falls on a date on which we do not process statements, we will continue to provide you with the benefit of the promotional or installment plan rate until our next statement processing date. Installment Plan Summary. If you have any installment plans, this chart sets out the details of such plans. INTEREST AND OTHER CALCULATIONS Determination of interest. You have a minimum 21 day interest-free grace period for new purchases. You can avoid interest on these new purchases by (i) for new purchases (except those converted to installment plans) and fees, paying your New Balance in full by your Payment Due Date, and (ii) for new purchases converted to installment plans, paying your Total Account Balance in full by your Payment Due Date. If you do not pay your New Balance in full by your Payment Due Date, you must pay interest on each new purchase retroactively from the transaction date until the date we process your payment in full for those purchases. The accrued interest will appear on your next statement. We continue to charge interest on the unpaid portion of those purchases until you pay the New Balance in full on or before its Payment Due Date. Interest related to your purchases could appear on the first statement you receive after we process that payment. This is interest that was not included in the New Balance you paid in full because it accrued between the date the monthly statement which showed that New Balance was prepared and the date you made your payment. For installment plans, interest is not included on your first statement after you install a purchase to allow you to benefit from the interest-free grace period if you pay the Total Account Balance in full by the Payment Due Date for that statement. If you do not pay this balance in full by the Payment Due Date, the accrued interest on the installment plan will appear on your next statement. Fees are treated in the same manner as purchases for the purpose of charging interest. Interest is always charged on cash advances from the day the cash advance is made until the date we process the payment in full for those cash advances. Balance transfers, cash-like transactions and bill payments made using your credit card at our branch, an ATM or our digital banking service are treated as cash advances. We do not charge interest on interest. To calculate your interest shown in the Calculating Your Balance section of your statement, where there is only one applicable interest rate in a Statement Period, we add the amount you owe each day, and divide the total by the number of days in the Statement Period. This is your average daily balance. Where you have an installment plan, we use the total principal amount of your installment plan still outstanding (including Installments Not Yet Due) as the amount that you owe each day to calculate your average daily balance. Where you have more than one applicable interest rate in a Statement Period, we determine your average daily balance for each rate. We then multiply the average daily balance for each rate by the applicable daily interest rate (obtained by taking the annual interest rate and dividing it by the number of days in the year). We then multiply this value by the total number of days in the Statement Period to determine the interest we charge you. Applying your payments. We apply payments to your Minimum Payment first, then to the remainder of your New Balance. If the different amounts that make up your New Balance are subject to different interest rates, we will allocate any payment in excess of your Minimum Payment in the same proportion as each amount bears to your New Balance. If you have paid more than your New Balance, we will apply any excess payment to amounts that have not yet appeared on your monthly statement in the same manner as set out above, and then to Installments Not Yet Due. Foreign currency conversion. The exchange rate shown on your statement, to six decimal places, is calculated by dividing the converted Canadian dollar (CAD) amount, rounded to the nearest cent, by the transaction currency amount. It may differ from the original benchmark rate because of this rounding. The CAD amount charged to your account is 2.5% over the benchmark rate. Some foreign currency transactions are converted directly to CAD, while others may be converted first to U.S. dollars (USD), then to CAD. In either case, the benchmark rate will be the actual exchange rate applied at the time of the conversion, and is generally set daily. The original benchmark rate at the time a transaction was converted may be obtained at visa.com/exchange, if set by Visa, or mastercard.ca/currency-converter, if set by Mastercard. You can also call us at 1-800-769-2512. For U.S. Dollar Visa Gold Cardholders, transactions are shown in USD and the same principles will apply if an amount is charged in a currency other than USD. Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s). ®/™